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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $19,665 | $71,208-72.4% | $93,681-79.0% | $80,911-75.7% |
| Participation rate | 53.1% | 60.4%-7.3pp | 68.7%-15.6pp | 67.6%-14.5pp |
| Annual return | 22.18% | 11.27%+10.9pp | 133.47%-111.3pp | 35.63%-13.4pp |
| Employer contribution / active EE | $2,190 | $1,564+40.0% | $2,422-9.6% | $2,756-20.5% |
| Participant deferral / active EE | $2,925 | $4,035-27.5% | $4,415-33.7% | $4,297-31.9% |
| Admin fee / account holder | $689 | $6,951-90.1% | $8,290-91.7% | $6,935-90.1% |